John and Lily were the best people I've every worked with on a home mortgage! The communication, care and concern were Above and Beyond! Lily has the word HONEST under her email signature. She and John were ALL of this and more! Hardworking Obsessed with the client experience No loan left behind Excellence in Execution Servant Heart Teamwork read more

Outstanding Mortgage Advisor and team - Truly the Best in the Business! Working with John Farrell and Lily Pena was one of the best decisions we made during our home-buying journey. From the very first conversation, it was clear that I was in expert hands. Their response time was nothing short of amazing--no matter the time of day or the complexity of the question, we always received a clear and timely reply. It made a potentially stressful process feel incredibly smooth and manageable. One of the things we appreciated most was how well they educated us throughout the entire process. They took the time to explain every detail in plain language, ensuring we felt informed and empowered to make the right decisions. We never once felt rushed or brushed off--just genuine support and expertise at every step. Their availability was also remarkable. Whether it was after hours or over the weekend, John and/ or Lily consistently went above and beyond to be accessible and responsive. It truly felt like we had dedicated partners who cared about our goals as much as we did. And last but certainly not least--their personalities! Friendly, professional, approachable, and calm under pressure. They brought a personal touch to the experience that made a huge difference. We always felt heard, respected, and confident that we were being looked after by people who genuinely care. We can't recommend John Farrell and Lily Pena highly enough. If you're looking for a mortgage advisor and team who are knowledgeable, responsive, reliable, and a joy to work with, look no further. These are the people you want on your team! Clients for life. read more

How amazing this team is - let me say Lily was on top of everything and made the process so easy. Over the 50 years of working with different companies this team was 100% the best, easiest, fastest and helpful. Did I mention best rate at this time as well read more

John, Lily, and Brooke went above and beyond helping me with my first home loan. As a newbie without much knowledge or experience with the home loan process they taught me a lot and are experts in their field. John spent his time educating me on various options, the pros and cons to each - all while recommending his opinion but leaving decisions up to me and what was best for my scenario. Their professionalism, friendliness, quick response times, and excellent customer service are just a few reasons they were so easy to work with. Working with Loan Depot and using their online platform was also very easy. The removal of much actual paperwork and making everything digital really helped speed the processes up and removed barriers to the process. I will definitely work with this team in the future and if you're new to the game like me; these are people you can trust and have confidence in helping you make the best decisions for you and your home. read more

The easiest, friendliest and fastest remortgage application ever! I have used John Farrell for years now with my home mortgages, and now his team's service is above and beyond all expectations. He was very honest with me, his team answered all my questions that I had, and guided me through the problem questions. The program itself is soooo much easier, with downloads on the site, so it is accepted straight away. I think my remortgage from start to finish took me less than three weeks. I would absolutely recommend John to new inquirers, as they all go above and beyond to help. Thank you to everyone! read more

Awesome team that walks you through the whole process to make it super easy. Always responsive.

When we choose to purchase a new home, we took a recommendation from a friend based on our desire to have a more dedicated and diligent team supporting us throughout the process. John and Lily exceeded all our expectations, from thoroughness to answering our questions, to the thoughtful and deliberate nature of their actions and communications, as well as their knowledge and availability. You would be hard pressed to find a better, more caring and compassionate lending team. read more

Excellent experience from beginning to end. Used for home purchase loan, process was exceedingly smooth. Questions were quickly and clearly answered (and I ask a lot of questions). Will use again without hesitation. Will recommend to friends and family. John, Lily, and Brooke are the best. read more

John and Lily were such a pleasure to work with and made the entire process smooth and seamless. They educated us on all of our options and we truly we feel we got the best product/deal for our needs. They were on top of communication and guided us the whole way through. We will definitely be using them again in the future! read more

The team was very professional, had very clear and precise communication. We use them again and would recommend them 100%

John and Lily were amazing to work with and they both provided me with outstanding customer service. They took the time to answer all of my questions on all platforms (text, email, and calls). I will never use anyone else for my mortgage needs! read more

There's no one better than John and his team! His knowledge of the process is unmatched. Most importantly he's honest and trustworthy which can't be understated when choosing your mortgage broker. His team makes it so easy and they always close on time. Highest recommendation possible. read more

John Farrell and his amazing team (Lily and Brooke) were absolutely amazing to work with from start to finish. Not only were John's rates incredible, but he and his team also worked extremely quickly and efficiently throughout every step of the loan process from pre-approval through closing. John and team were friendly, knowledgable, detailed, and ALWAYS responded to communication in a very timely manner. When you are in escrow to purchase a property, there are already a million stressors, but John and his team ensured that the loan process was not one of them. Thank you a million times over to John, Lily, and Brooke - you truly are a team of true rockstars! read more

Buying a home during this pandemic was no easy task!! John and his team were amazing!! They were very diligent and guided us through this stressful process every step of the way!! They answered all our questions promptly and ensured that we knew exactly what to expect. They delivered as promised and got us into our Dream Home!! Thanks for all you do!! They will be our lender for life!! Eternally gratefu!! Binsol Family read more

Believe the reviews! John Farrell and his team were very responsive while doing 4 refinance loans for us. Rates were competitive and their communication was excellent. Highly recommend! read more

My wife and I couldn't have asked for a better team. John, Lily and Larry are a A+ team that went beyond all our expectations. From the beginning their communication was clear and kept us informed throughout the loan process. As you can expect, buying a home can be stressful, but John's team was responsive and helpful every step of the way, whether via phone or email their response was almost immediate. We can't praise them enough. Our experience was so positive that we referred John to our friends and our friends also mentioned how great they are. We purchased a new build home and even the builder's sales agent that works with tons of mortgage companies mentioned that John's team was exceptional. Give John's team a call, you won't be disappointed! read more

As first time homebuyers, we were referred to John and his team by our realtor. They were able to educate and guide us through the entire mortgage process. John and Lily were in constant communication with us explaining what needed to be done while also advising us the best plan and options for us to move forward. They broke everything down for us and were able to quickly answer any questions we had. In the end, we were successful in moving through the process seamlessly and couldn't be happier in our new home! Thanks again to John and his Team! read more

We can't say enough nice things about the smooth stress-free loan process we had with John, Lily and Brooke! Highly organized, constantly communicating every detail so you are well informed and up to speed on the status of your loan. They are so professional, kind, quick to reply, and stay on top of everything so we as buyer's didn't have to do extra work. Their rates and fees beat all other banks. They met the timeline in advance. This is our 2nd time using them for a family home purchase and we couldn't be happier. If you need a lender in any capacity I would recommend calling John to start the process, you won't be disappointed! read more

Stop your mortgage lender shopping now. John is great! Professional, prompt, transparent and honest. My sister referred me to him and glad she did. He makes buying a house easy. Will recommend him to future home buyers read more

John and Team were recommended by a family member for taking care of a Refi. This experience was so seamless. I got a fantastic rate. John explained everything in detail through the whole process. I was always kept up to date. Brooke and Lily were so knowledgeable and thoughtful. I closed quickly. I will use this team ALWAYS for any other business and I highly recommend them. You will not be disappointed. read more

John and his team are fantastic. I have used John's services for over 10 years, both for new home purchases (more than once) as well as multiple refinances and his rates, service and overall customer experience are unparalleled. He always provides the lowest rates, but it is more than that. He is knowledgeable, responsive and supportive. His team is the same: Lily is superb, always there to answer my questions, explain a form and quickly address any concerns (which aren't common in the first place). Brooke was also super helpful and easy to work with. All in all, I can't speak highly enough of John, Lily, Brooke and the entire team. I've referred them to family and friends over the years who have all had excellent experiences as well. I just finished another successful refinance with them and have absolute confidence that I will do so again in the future!! They are by far the best mortgage team! read more

I always worry that reviews without a "well, you know, they could have ______" come off as disingenuous, but what the hell. Here's goes anyways. John and his team, Lily and Larry, are utter rockstars. They came to my attention through a referral from another very satisfied customer in the Bay Area who had nothing but praise for him, so I figured what the heck. I didn't have a preferred lender anywhere, so why not. I am SO incredibly happy that I went with my gut. From the moment we started working together, John, Lily and Larry were ON IT. I did a VA Loan, which has its own hurdles and challenges, and it didn't even seem to phase them. Regular communication, as much information as I needed without burying me with useless emails, an incredibly positive attitude through the whole endeavor, gentle and professional pushback and counseling on me when I was being a bit of a "can you tell me where ____ is right now," and just absolute rockstars without a single exception. We bought a place up in Truckee, CA, and they helped me navigate all the intricacies and answered every single one of my requests with alacrity. This is just an amazing team. NOW, on to the rates. Killed it. I did look around a little bit, and while the rates were similar, when I combined that with the lightning fast and super well-informed replies I got from John and the team, the decision was simple. read more

I have purchased a few homes previously but this had to be the best and easiest transaction ever. Not only did I get the best rate after doing some research, but John, Lily and Larry are amazing to work with. The team is on top of it, organized, helpful and honest. I will be spreading the word to anyone I know looking for a new home or refinance. Hopefully I'll be in my new home awhile, but if things change they are my first phone call. Thank you guys! read more

If you are looking for an amazing mortgage experience, you found it! John and his team made this process easy as can be.My husband works for a big name bank and we ended up going with John because he matched our offer. Little did we know the customer service and responsiveness was top notch. John helped us figure out all the bumps along the way. I can't thank him enough for making this the easiest part of the process!!!! We will be using US Bank for other transactions because of this wonderful experience! read more

I bought my first home with John as the lender. He was absolutely professional. John and his team helped us close the escrow on time. I loved the thoroughness and great customer service. I wasn't expecting the kind of amazing customer service that I got and it blew my mind. John knows how to take care of his customers. He was very patient in explaining everything two times - three times, so that we completely understand the process. Whats more?! he also gave me great tips for home renovations :) When you are working with someone it is very important to find them pleasing to talk and work with and that is what you get with him. Home buying can be stressful in may ways and John will make sure that he is not one of those items. If you need to get a mortgage loan, John is your guy. read more

If you're looking for a guy who's responsive, knowledgeable, personable, professional, honest, AND committed to serving his clients, look no more - John is your man! Add on top of that, coming from a guy who's a bargain hunter and does his diligence, what John can offer you is most competitive I've seen. I always compare at least 5 different lenders whenever I need to get a mortgage or do a refinance, and John was the most competitive. In today's world, it tough to find people who actually do what they say, but John is one of the few. And if you're looking to get the best kind of mortgage that fits you and your situation, you want to go with someone who you can trust and is focused on doing the best thing for his client. The lending side of my home purchase process was seamless and stress free because I had John and his team on my side. The guy really goes the extra mile to make sure everything is done right and that the loan closes on time. And that's really important because there's some loan officers who fall asleep behind the wheel or don't know how to prevent delays from happening. You want someone who is proactive and not reactive. I'll be going to John for future home purchases and refinances and you should too!! But don't just take my word for it, give him a ring and experience his service for yourself. I'm confident that you won't be disappointed! read more

I have worked with John for years. Once for a home mortgage and again for a refinance. His team is the BEST. Very responsive and always answered all my questions. He is a great guy and his team is top notch. He will be and has been my go to loan guy. read more

What can I say about John?....he's fantastic! We have partnered with John for over 10 years on 4-5 transactions and each one went extremely smoothly. He is very conscientious, keeps his word, displays solid knowledge & professionalism and provides us with a constant status of our applications. We trust him completely. If you truly want an honest broker during these times, look no further than John Farrell. I would be happy to speak with anyone on John's behalf on the multiple positives experiences we've had! read more

John and his team did an excellent job handling our real estate transaction. It was somewhat more complex than normal, but the creativity and follow-through was exceptional. Highly recommended. Great email communication during the process! read more

I had a fantastic work experience with John Farrell!!! It was because of his diligence, hard work, and expertise my client was able to get his loan approved in time before the close of escrow. Half way through the transaction and working with a different lender my client's loan fell into pieces. Like a super hero to save the day, we found John. Working with very limited time constraints and an expiring loan contingency removal, John worked his magic, did not give up, and ensured my client's loan to not only go through but fund ahead of schedule allowing the purchase of my client's dream home. John has excellent communication skills, easy to reach, prompt response time, always had the best interest of my client, always had updates without having to ask for them, and worked beyond his duties! Thank you so much for all your hard work John, I look forward to doing business with you in the future and would absolutely recommend you to any person in need of a professional broker! read more

John and his team are awesome! We were buying a home in Nashville remotely from LA and the process could not have been smoother. From pre-approval to loan approval the team of John, Lily and Larry were professional, personable, responsive and accessible - 7 days a week. They were even able to get us a great recommendation for a real estate agent in the Nashville area. Buying a home out of state can be stressful, especially for a self-employed couple. But this group was able to keep the stress level to a minimum and helped us work through the process calmly. We highly recommend this group for your mortgage needs! read more

John and Lily did an amazing job with my refinance loan! They delivered what they promised. They always responded to my emails and returned phone calls in a timely matter. It was the easiest loan refinances that I ever did. read more

John was great to work with. He helped make the loan process as smooth as possible. He was very responsive, knowledgable, and most important honest throughout the experience. His team, especially Lily, were fantastic. They made us feel that they had our best interest in mind. Hunting for the right loan can be stressful and at times confusing, but they helped answer any questions we had and was able to get us a great mortgage loan. read more

We really love working with John & team! We feel blessed to have met John as he is the kind of person anyone would want to work with. We have now been working with him for almost 5 years and he is always able to get us the most competitive rate possible. He and his entire team (shout out to Brooke & Lily!) are super friendly, sincere, supportive & responsive. Purchasing and refinancing a home can be stressful but John & team always make us feel that we are in good hands. They are truly the best and we will definitely work with them again in the future. read more

John and his team were GREAT to work with and so helpful through our refinance. Everything went smoothly and we were able to close on our new loan so quickly. Would highly recommend for anyone who is looking for a great mortgage team. read more

As a first time home buyer I had an amazing experience with John and Lily. From pre-qualification to closing, John and his team were extremely responsive to all of my questions and concerns. John explained the entire process to me and helped me make the right choices when closing on my first condo. read more

I've worked with John and his team on multiple transactions with great results every time. When complications arise, John is able to handle them with ease. Unlike lenders I have worked with in the past, John provides a very personal and stress free process, and has always exceeded my expectations. I look forward to working with him on my next deal! read more

John and his team (especially Lily) did a top notch job! We have used his team 3 times now and have always enjoyed the experience. The most recent mortgage was for a cross country move and it showed the power of their national platform. I would recommend them to anyone. read more

John is absolutely amazing to work with! Not a single detail was overlooked. We had such a smooth loan process with John. A new construction home purchase comes with so many working pieces and a lengthy escrow. John handled it all with speed and class. I would absolutely send my friends and family to John. We look forward to the next time we need him as we know he won't let us down. We found him through a referral from a fellow loan officer that we work with. I'm a loan officer as well. You know John is the best when even other local loan officers use him as well. You can trust John and his team with all your mortgage needs. Big and small. Thank you John! read more

John and his team are amazing!!! I have now done 2 loans through John and have known him for several years. He has been consistently fantastic and always takes extra time and care in working with his clients. I am extremely impressed with him and his team and have absolute confidence they are the best in the business. This is also consistent with others in my network who have worked with John over the years and always recommend him to friends and colleagues. read more